22 Rutledge Ter, Waltham, MA 02452 Property Records

Middlesex County and Waltham City property record for 22 Rutledge Ter, Waltham, MA 02452

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,336 sqft · built 1973
Lot Size	0.393 acres (17,102 sqft)
Owner	2 Individual Names on File
Last Sale	$725,000 (Oct 2006)
Tax Bill	$13,002 (2026)
Deeds & Mortgages	Jan 2022 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`100928`

Property Details

APN / Parcel Number

Primary APN	`100928`
Alternative APN	`WALT M:034 B:003 L:0008`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,336 sqft Living Area
Gross Area	4,842 sqft
1st Floor Area	1,257 sqft
Basement Area	1,482 sqft
Unfinished Basement	1,482 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,102 sqft (0.393 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	100928
Street Address	22 RUTLEDGE TER
City	WALTHAM
State	MA
Zip	02452-4737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Block	3
Legal Lot Number	8
Jurisdiction	WALTHAM MA
Township / Civil Division	WALTHAM
Census Block Group	3
Census Block	3014
Census Tract	368901

Owner

22 Rutledge Ter is owned and occupied by two individuals who bought it in October 2006.

Source: Middlesex County and Waltham City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	22 RUTLEDGE TER, WALTHAM, MA 02452-4737
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2022	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO
Sep 23, 2020	Deed of Trust, Mortgage · Balloon Mortgage ROCKLAND TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2006 · Amount on File
Deed Sale	Oct 30, 2006 · Amount on File
Deed Document Number	2006205791
Deed Book / Page	48405 / 120
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	22 RUTLEDGE TER, WALTHAM, MA 02452-4737
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079485-340
Date	Jan 5, 2022
Book Page	79485/340
Instrument	2182

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	529 Months
Due	Feb 1, 2066

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	22 RUTLEDGE TER, WALTHAM, MA 02452-4737
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75697-567
Date	Sep 23, 2020
Book Page	75697/567
Instrument	169180

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 22 Rutledge Ter was $13,002, up 7.4% from the year before.

Source: Middlesex County and Waltham City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Waltham City
Unified School District	Waltham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,002.00 (+7.42%)	$1,259,900 (+2.21%) Land $584,000 Building $675,900	$1,533,571 (+9.91%)
2025	$12,104.00 (+4.81%)	$1,232,600 (+2.9%) Land $543,500 Building $689,100	$1,395,265 (+12.95%)
2024	$11,548.00 (+1.15%)	$1,197,900 (+8.28%) Land $518,100 Building $679,800	$1,235,285
2023	$11,417.00	$1,106,300 Land $471,000 Building $635,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 22 Rutledge Ter in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 22 Rutledge Ter is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WALTHAM WATER DEPARTMENT serves 65,218 people · EPA ID MA3308000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50

May also be available: T-Mobile.

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